Revised 10/2025
To learn more about your Privacy with F.N.B. Corporation, download our policy below:
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FACTS |
WHAT DOES F.N.B. CORPORATION DO WITH YOUR PERSONAL INFORMATION? |
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Why? |
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
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What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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How? |
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons F.N.B. Corporation chooses to share; and whether you can limit this sharing. |
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Reasons we can share your personal information |
Does F.N.B. Corporation share? |
Can you limit this sharing? |
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For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus |
Yes |
No |
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For our marketing purposes— to offer our products and services to you |
Yes |
Yes |
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For joint marketing with other financial companies |
Yes |
Yes |
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For our affiliates’ everyday business purposes— information about your transactions and experiences |
Yes |
No |
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For our affiliates’ everyday business purposes— information about your creditworthiness |
Yes |
Yes |
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For our affiliates to market to you |
Yes |
Yes |
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For nonaffiliates to market to you |
No |
We don't share. |
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To Limit Our Sharing |
Please contact the respective F.N.B. Corporation affiliate at the number provided:
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we provided this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit sharing. |
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Questions? |
Call F.N.B. Customer Contact Center at 800-555-5455 |
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Who we are |
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Who is providing this notice? |
F.N.B. Corporation is a diversified financial services holding company operating a bank, consumer lending and wealth management companies, and an insurance agency. |
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What we do |
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How does F.N.B. Corporation protect my personal information? |
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
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How does F.N.B. Corporation collect my personal information? |
We collect your personal information, for example, when you:
We also collect your personal information from others, such as credit bureaus, affiliates or other companies. |
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Why can’t I limit all sharing? |
Federal law gives you the right to limit only:
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What happens when I limit sharing for an account I hold jointly with someone else? |
Your choices will apply to everyone on your account unless you tell us otherwise. |
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Definitions |
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Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
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Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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Other important information |
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For Nevada Customers: This notice is provided to you pursuant to state law. To stop marketing calls from us, use the contact information under “To limit our sharing” to be placed on the FNB do not call list. Nevada law requires that we also provide you with the following contact information: Office of the Nevada Attorney General, telephone: 1-775-684-1100. |
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This California Consumer Privacy Act Notice (“Notice”) explains how F.N.B. Corporation, together with its subsidiaries and affiliates (“we,” “our,” or “FNB”) collects, uses, and discloses personal information relating to California residents and describes certain data rights that California residents have under the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020, and its implementing regulations (collectively, the “CCPA”).
We collect personal information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household (“personal information”).
This information is collected for a variety of purposes, including, but not limited to, providing financial products and services and for our human resources function. The categories of personal information collected about a specific California resident will depend upon the context of the relationship or interaction with that consumer.
The categories below are considered personal information as defined by the CCPA. We may have collected this information about California residents in the past 12 months. Note that not all examples listed below are collected from every consumer.
Some personal information included in this category may overlap with other
categories.
Social Security, driver’s license, state ID card or passport number
Account log-in information, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials granting access to an account
Precise geolocation
Racial or ethnic origin, religious or philosophical beliefs, citizenship or immigration status, or union membership
Content in mail, email, and text message communications, unless we are the intended recipient of the communication
Biometric information processed to uniquely identify a California resident; and
Personal information collected and analyzed concerning a California resident’s
health
loans
Personal information as defined by the CCPA does not include:
Publicly available information from government records;
Information that a business has a reasonable basis to believe is lawfully made available to the general public by the consumer or from widely distributed media;
De-identified or aggregated consumer information;
Information excluded from the CCPA’s scope such as:
Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data.
Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.
The method of personal information collection by FNB about a California resident is dependent upon the context of our relationship and interaction with that consumer. We may collect personal information via the channels listed below in various contexts.
Directly from California residents, or from authorized individuals acting on behalf of the California resident, through physical (e.g., paper application), audible (e.g., telephone conversation), and electronic (e.g., website, email communication) means
Public records or widely available information, such as:
Information from the media
Information made available by the federal, state, or local government
Directly from third parties such as service providers acting on our behalf and those, we interact with in connection with services performed by FNB (e.g., credit bureaus in relation to extension of credit)
Directly and indirectly from activity on fnb-online.com
Includes submissions through our web portal or usage details collected automatically and from the devices you use to access fnb-online.com
We collect, use, and disclose personal information for a variety of reasons, which depend upon our relationship or interaction with a California resident. We will not collect, use, or disclose additional categories of personal information inconsistent or materially different from the purposes below without prior notification.
To provide products and services obtained by California residents and to support the ongoing maintenance of the relationship, including processing transactions, providing account statements, online banking access, account notifications, and obtaining support from our third-party service providers to meet your account’s obligations
To support everyday operations, including to meet risk, legal, and compliance obligations and requirements
To manage, improve, support, personalize, and develop our business, including our websites, mobile application, products, and services
To support employment, infrastructure, and human resources such as providing benefits to employees and their dependents, managing payroll, processing employment applications, and managing and operating FNB facilities
To respond to law enforcement requests and as required by applicable law, court order, or government regulation
To personalize your website experience and to deliver content, product, and service offers relevant to your interests, which may include targeted offers and ads through fnb-online.com and via phone, email, or text message (with consent as required by law)
To help ensure the integrity and security of FNB’s websites, products, services, databases, and technology assets
We only use and disclose sensitive personal information as reasonably necessary and consistent with CCPA regulations. These purposes include:
To perform services or provide goods as requested by you;
To prevent and detect security incidents and ensure the security and integrity of data;
To prevent and detect malicious, deceptive, fraudulent, or other illegal actions and to aid law enforcement in the prosecution of threat actors responsible for these actions;
To ensure compliance with our legal and regulatory obligations;
For our service providers to provide services on our behalf; and
To verify or maintain the quality and/or safety of our services.
FNB discloses your personal information with third parties under certain circumstances depending on our relationship or interaction with a specific California resident. We may disclose personal information to the following categories of third parties:
Outside companies and organizations, including service providers, to whom we disclose personal information under strict confidentiality and use restrictions. This information is disclosed to provide products and services, complete transactions, and support FNB’s day-to-day business operations.
Government agencies, companies, and organizations to comply with and support our legal, regulatory, and reporting obligations, including consumer credit reporting agencies.
Companies or individuals representing California residents in a legal capacity or acting on their behalf (e.g., accountants, financial advisors, powers of attorney).
Outside companies and organizations, including services providers, to whom we disclose personal information under strict confidentiality and use restrictions, to support human resource activities and workforce management.
Outside companies, in connection with online advertising activities prior to January 1,
2023.
FNB does not “sell” or “share” (as defined by CCPA) personal information or sensitive personal information about California residents, including those we know to be under 16 years of age. For purposes of this Notice:
Sell refers to the disclosure of a consumer’s personal information to a third party for monetary or other valuable consideration.
Share refers to the disclosure of personal information to a third party for cross-context behavioral advertising purposes.
We retain personal information collected only as reasonably necessary for purposes described in this Notice or otherwise disclosed at the time of collection. The length of retention depends upon specific criteria related to the relationship or interaction with the California resident, such as:
Compliance with legal and regulatory obligations;
The business or commercial purpose(s) for which the personal information was collected, used, or disclosed; and
If you choose to exercise your right to delete your personal information (subject to certain exceptions as described in this Notice).
The CCPA grants consumers and employees who are California residents with certain rights regarding their personal information. FNB will respond to requests pending verification of identity or proof of authorization for requests made by an individual on behalf of the consumer or employee.
A California resident may submit two verifiable requests on their own behalf or on behalf of their minor child per 12-month period.
A consumer may request that FNB disclose the categories of personal information collected about that consumer in the previous 12-month period. FNB must return:
Specific categories of personal information we collected about you;
Categories of sources for how we collected the personal information;
Categories of personal information FNB sold or disclosed for a business purpose about you (if applicable);
Categories of third parties to whom FNB sold or disclosed for a business purpose (if applicable); and
The business or commercial purpose for collecting or selling your personal information.
You have the right to request that FNB correct inaccurate personal information.
You have the right to request that FNB delete personal information that we have collected and retained from you, subject to certain exceptions, such as legal and regulatory obligations.
You have the right to opt-out of the sale or sharing of personal information by FNB. As previously noted, FNB does not currently “sell” or “share” personal information about California residents.
You have the right to direct FNB to limit certain uses and discloses of sensitive personal information that go beyond those specifically authorized by the CCPA. We do not use or disclose your sensitive personal information beyond these authorized purposes.
FNB will not discriminate or retaliate against a California resident for exercising their rights pursuant to the CCPA. FNB may not take or suggest the following actions in response to a consumer request to exercise their rights to:
Deny access to or use of products and services;
Charge a different price or rate for products and services, including by granting discounts or imposing penalties; or
Provide a different level or quality of products and services.
To exercise your right to know/access, correct, or delete your personal information, submit a verifiable consumer request to FNB by using one of the following channels:
o Call us at 1-800-555-5455
Submit the online request form at fnb-online.com/privacy
California residents may submit a verifiable request on their own behalf or on behalf of their minor child twice in any 12-month period. For authorized agents (companies, organizations, or individuals) submitting a request on behalf of a California resident, we may require proof of authorization and verification of identity. We may require the consumer to directly verify their identity and the authority of the authorized agent.
A verifiable consumer request must:
Provide sufficient information for FNB to verify the identity of the consumer we collected personal information from or their authorized agent.
Describe your request with sufficient detail for FNB to properly respond to it.
In some instances, FNB may be unable to honor your request. For example, we will not honor a request if we cannot verify the identity of the consumer or their authorized agent. We will notify your if we are unable to honor your request.
We will not provide specific personal information in our response to prevent unauthorized access that could result in identity theft or fraud or unreasonable risk to data, systems, or network security. This includes, but is not limited to, Social Security numbers, driver’s license or other government-issued ID numbers, financial account numbers, account passwords, and protected health information.
FNB will work to process all verified requests within 45 days pursuant to CCPA. You will be notified if an additional 45-day extension (90 days total) is necessary, including an explanation for the delay.
All notifications and responses will be delivered by mail or electronically, at your direction.
We may amend this Notice at our discretion at any time. The last update is noted at the top of this notice under “Last Updated.” FNB will notify you of material changes to the Notice via fnb-online.com or email.
If you have questions, comments, or concerns about this Notice, our Privacy Policy, and the ways in which we collect, use, and disclose your personal information, your rights, or wish to exercise your rights under the CCPA, please contact us at:
We are committed to the privacy of your information. This Online and Mobile Privacy Policy describes how F.N.B. Corporation, and its subsidiaries and affiliates (collectively, “F.N.B.”) collect and use personal information when you engage with our websites and mobile applications.
Our Online and Mobile Privacy Policy complies with the terms and conditions of our Privacy Notice (provided above), What Does F.N.B. Corporation Do With Your Personal Information?
Personal Information & Data
Information We Collect
F.N.B. collects certain Personal Information about you. “Personal Information,” as used in this Online and Mobile Privacy Policy, is information that could reasonably be linked, directly or indirectly, with a particular consumer or household. Other information may be collected based on how you interact with our websites and mobile applications.
1. Information you give us
In order for you to access certain services and/or products, we may require you to provide us with Personal Information. Personal Information may include: (i) contact data (such as your name, mailing and e-mail addresses, and phone number); (ii) financial data (such as your account or credit card number); and (iii) demographic data (such as your zip code, age and income).
2. Information we collect about you
We may collect certain information based on how you interact with our websites and mobile applications. This information helps us improve the quality, usability and performance of the services we offer to you.
Cookies
F.N.B. uses “cookies,” or small data files we place in your web browser that enable us to recognize and remember you when you return to our website. These cookies do not contain any individually recognizable personal or confidential information. When you visit our site, F.N.B. uses the information in the cookie to provide a more customized and personalized experience. For example, F.N.B. may highlight educational articles or products that we believe you may find of interest based upon your past browsing of our website. If you would like to opt out of using cookies, you can control your cookie settings within your web browser. If you disable cookies, we may not be able to show you personalized information within our website.
Location Data
F.N.B. uses certain services to provide a more personalized experience for our website visitors. For example, we may use your web browser and IP address, among other factors, to approximate your geographic location. F.N.B. uses this information when providing you with content specific to your region, such as regional pricing and weather or service alerts. You can disable location services within your web browser if you do not wish to benefit from this feature.
If you have enabled location services on your mobile device and agree to the collection of your location when prompted, we will collect location data when you use the F.N.B. mobile applications, even when an app is closed or not in use. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your mobile device.
When you interact with us through our F.N.B. mobile applications, we may also collect information such as unique device identifiers for your mobile device.
3. Information we receive from other sources
We may obtain information about you from other sources, including third-party services, to enhance our ability to provide relevant services and offers to you. We will treat such data in accordance with this Online and Mobile Privacy Policy. We are not responsible or liable for the accuracy of the information provided by third parties or for third-party policies or practices.
How We Use Information
F.N.B. uses information we collect about you online to deliver requested product and service information, offer additional product and service recommendations, and qualify you for selected products and services. Additionally, we use this information to process your transactions, authenticate your identity, prevent fraud, and to keep your information and financial transactions secure.
How We Share Information
F.N.B. may disclose your Personal Information with our affiliates and with third parties under certain circumstances and in accordance with our Privacy Notice, What Does F.N.B. Corporation Do With Your Personal Information? We may share your information with:
F.N.B. will only share information about you with third parties who perform services or functions for us in conjunction with our services (such as our email or marketing vendors or a third-party payment processor) if we have a contractual agreement with the other party which prohibits them from disclosing or using the information other than for the services they provide us.
Children
F.N.B. websites and mobile applications are not directed to children. We do not request or knowingly collect information from children. If you are the parent or guardian of a child who you believe has provided his or her information to us, please contact us using the contact information provided below.
Security of Information
F.N.B. employs various physical, electronic and procedural measures, including education and training of our personnel, which are designed to reasonably and appropriately protect Personal Information from loss, misuse or unauthorized access, disclosure, alteration or destruction. These measures include limiting access and using industry best practice controls such as firewalls and encryption for Personal Information. Personal Information collected or displayed through a website is protected in transit by standard encryption processes, but we cannot guarantee the security of information on, or transmitted via, the internet.
We retain Personal Information as reasonably necessary and for specific business purposes as disclosed at the time of collection. We retain information to deliver upon requested products and services and to comply with applicable legal and regulatory obligations. When the retention period has been met, F.N.B. destroys the information in all formats to ensure it is unusable and cannot be restored.
If you believe that F.N.B.’s records contain any incorrect information about you, please contact us using the contact information provided below.
Please be advised that F.N.B. will never ask you to send personal or financial information by, in response to, or via a link in an email or text message. Do not provide sensitive Personal Information, such as your social security number or account number, on public forums, such as social media platforms or online review platforms.
Social Media
F.N.B. interacts with customers and consumers via social media platforms. Any content you post to social media pages managed by F.N.B. is subject to the privacy policies and terms and conditions of use of those platforms. When interacting with social media pages managed by F.N.B., our Online and Mobile Privacy Policy may apply.
As F.N.B. social media pages are visible to the public, please exercise caution when posting. Do not share Personal Information such as account information and any identifying information (e.g., account numbers, demographic information, government identification, online authentication information such as usernames and passwords or PINs).
Questions
If you have questions or concerns with respect to our Online and Mobile Privacy Policy, you may contact our Customer Contact Center at 1-800-555-5455. We reserve the right to amend this Online and Mobile Privacy Policy.